Montana Car Insurance Cost for 2025

• Average car insurance cost in Montana is $2,330 per year, or around $194 per month.
• Montana ranks seventh for car insurance cost when compared to the 10 other western states, and ranks 25^th out of all 50 states.
• The cheapest car insurance in Montana is predictably found on small crossover and SUV models like the Nissan Kicks, Kia Soul, Buick Envision, and Ford Bronco Sport.
• Off-road capable vehicles like the Toyota Tacoma, Subaru Outback, and Jeep Wrangler are popular in Montana, with average insurance rates of $2,362, $1,986, and $2,662 per year, respectively.

How much is average car insurance cost in Montana?

The average cost of car insurance in Montana is $2,330 per year, which is 4.8% more expensive than the national average rate of $2,221. Car insurance cost per month in Montana averages $194 for full coverage.

Average car insurance rates in Montana for some of the more popular vehicles include the Ford Explorer at an average of $2,114 per year, the Toyota RAV4 at $2,154, the Mazda CX-5 at $1,902, the Nissan Altima at $2,528, and the Ram 1500 at $2,696 per year.

The chart below shows overall average rates for all 2024 model year vehicles, with rates shown by driver age and policy deductible amounts.

Insurance rates shown in the chart above have a range of $3,822 per year. The lowest rate shown is $1,634 per year for a 60-year-old driver with $1,000 deductibles and the most expensive rate in the chart is $5,456 per year for a 20-year-old driver with $250 deductibles.

Teenage drivers have the most expensive car insurance rates and average insurance cost ranges from $5,555 per year for a 19-year-old female driver up to $8,305 per year for a 16-year-old male driver. For 17 and 18-year-olds, average car insurance rates in Montana will cost $7,711 to $8,046 per year for 17-year-olds and $6,655 to $7,211 per year for 18-year-olds.

How do Montana car insurance rates compare?

When compared to nearby states, Montana car insurance rates are 11% less than Colorado, 2.2% more than Wyoming, 6.9% more than North Dakota, 16.5% more than Idaho, and 8% less than South Dakota.

When compared to states in other areas of the U.S., average Montana car insurance quotes are 16.6% cheaper than New York, 3% more expensive than Illinois, 16.7% cheaper than Florida, 24.5% more expensive than North Carolina, and 0.9% cheaper than Texas.

The chart below shows how average Montana auto insurance cost compares to the other western U.S. states. Montana ranks seventh out of the 11 states in the West region for cheapest car insurance rates, and ranks 25^th out of all 50 states.

What are the cheapest vehicles to insure in Montana?

The five cheapest vehicles to insure in Montana are primarily compact SUV models. The Subaru Crosstrek ranks #1, followed by the Chevrolet Trailblazer, Kia Soul, the Nissan Kicks, and the Honda Passport.

Other models that have the cheapest car insurance rates in their respective segments are the Toyota GR Corolla at $2,026 per year, the Kia K5 at $2,248 per year, the Honda Passport at $1,858 per year, the Chrysler 300 at $2,220 per year, the Chevrolet Tahoe at $2,188 per year, the Chevrolet Colorado at $2,054 per year, and the Nissan Titan at $2,180 per year.

The next sections break down the cheapest insurance rates for each vehicle segment starting with cars (2-door, 4-door, and hatchbacks) and working through SUVs, pickups, vans, and luxury models.

Cheapest car insurance rates in Montana

The cheapest 2-door and 4-door sedans and hatchbacks to insure in Montana are the Toyota GR Corolla at $2,026 per year, the Nissan Leaf at $2,044 per year, and the Honda Civic at $2,066 per year.

From a monthly standpoint, full-coverage car insurance on this segment in Montana for an average middle-age driver will start around $169 per month, depending on the company.

Our compact car, midsize car, and full-size car insurance comparisons have complete data for all vehicles including rates by trim level for each model.

Cheapest SUV insurance rates in Montana

The cheapest SUV and crossover models to insure in Montana are the Subaru Crosstrek at $1,724 per year and the Chevrolet Trailblazer at $1,752 per year.

Compact SUVs generally have some of the lowest car insurance quotes available, with a few midsize models like the Ford Edge, Volkswagen Atlas, and Kia Telluride making the top 20 list. Large SUVs like the Chevy Suburban or GMC Yukon cost more to insure, and therefore do not make the list.

See our compact SUV insurance, midsize SUV insurance, and full-size SUV insurance comparison pages for full data on all SUV models.

Cheapest pickup insurance in Montana

Whether you call them pickups, trucks, or pickup trucks, the table below details average car insurance quotes in Montana for pickups like the Ford F-150, Chevy Silverado, and Ram 1500.  Also included are the smaller midsize pickups like the Toyota Tacoma, Chevy Colorado, Nissan Frontier, and Ford Ranger, which tend to have cheaper insurance rates than the full-size models.

Visit our midsize pickup insurance and full-size pickup insurance pages for full data comparisons.

Cheapest luxury car insurance in Montana

Luxury cars like the midsize Mercedes-Benz CLA250 and compact Acura Integra have the cheapest overall luxury car insurance rates in Montana at $2,398 and $2,372 per year.

The Mercedes-Benz CLA250 costs $658 less per year than Tesla Model S insurance, which is one of the more expensive midsize luxury car to insure.

The table below shows the 20 luxury cars with the cheapest insurance rates in Montana. Vehicle size is noted along with annual and monthly average insurance cost.

Cheapest luxury SUV insurance in Montana

The cheapest insurance for compact, midsize, and full-size SUVs in Montana can be found on the Acura RDX at $1,950 per year, the Jaguar E-Pace at $2,180 per year, and the Infiniti QX80 at $2,614 per year.

Minivan and utility van insurance rates in Montana

The cheapest minivan to insure in Montana is the Honda Odyssey at $2,128 per year, or $177 per month. For utility and cargo vans, the cheapest model to insure is the Chevrolet Express at $1,998 per year.

See our minivan car insurance rates page for additional data and a few extra models.

Sports car and exotic car insurance rates in Montana

The Mazda MX-5 Miata has the cheapest car insurance rates in this segment, costing an average of $2,156 per year. The Toyota GR86 ranks second at an average insurance cost of $2,454 per year, followed by the Ford Mustang at $2,562.

Average rates in larger Montana cities

Listed below are average annual and monthly car insurance quotes for some of the bigger cities in Montana. Visit any page to view detailed rate information, including the models with the cheapest car insurance in each city.

• Billings Car Insurance - $2,318 per year or $193 per month
• Missoula Car Insurance - $2,240 per year or $187 per month
• Great Falls Car Insurance - $2,280 per year or $190 per month
• Bozeman Car Insurance - $2,272 per year or $189 per month
• Butte Car Insurance - $2,244 per year or $187 per month
• Helena Car Insurance - $2,210 per year or $184 per month
• Kalispell Car Insurance - $2,424 per year or $202 per month